| Weiss Ratings |
Citizens Bank
Kilgore, TX |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 7.30 | |||
| Company Info |
Citizens Bank
Kilgore, TX |
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| FDIC Number | 16817 | |||
| Phone Number | (903) 984-8671 | |||
| Website | www.citizensbanktx.com | |||
| Asset Quality |
Citizens Bank
Kilgore, TX |
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| 1-Year Asset Growth | 2.73% | |||
| 5-Year Asset Growth | 3.40% | |||
| 5-Year Charge-Offs to Average Loans | 0.29% | |||
| Charge-Offs to Average Loans | -1.71% | |||
| Non-Performing Assets to Assets | 0.02% | |||
| Non-Performing Loans to Capital | 0.14% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
Citizens Bank
Kilgore, TX |
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| Total Assets | 499.03M | |||
| Total Deposits | 422.69M | |||
| Capital and Reserves |
Citizens Bank
Kilgore, TX |
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| Capital | 72.61M | |||
| Leverage Ratio | 14.81 | |||
| Loan Loss Reserves to Loans | 2.87% | |||
| Risk-Based Capital Ratio | 23.77 | |||
| Liquidity |
Citizens Bank
Kilgore, TX |
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| Hot Money Ratio | 15.62% | |||
| Liquidity Ratio | 38.34% | |||
| Profitability |
Citizens Bank
Kilgore, TX |
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| 5-Year Return on Average Assets | 0.58% | |||
| Net Income | 2.83M | |||
| Net Interest Spread | 4.59% | |||
| Operating Profit to Average Assets | 0.98% | |||
| Overhead Efficiency Ratio | 80.09% | |||
| Return on Assets | 0.77% | |||
| Return on Equity | 5.36% | |||